How to break cheap/poverty mindset? I’ve been heavily saving money since I graduated college and found a real job. I feel like I have a good amount of money in my savings, IRA, and 401k. I know there’s a 50/30/20 rules for Necessities, Wants, and Savings. Based on my track record, I spend maybe 20-25% on Necessities then save the rest, occasionally buying stuff I want. I can affor…